Champaign County, IL Average Home Price (2026)
The average home price in Champaign County, Illinois is about $239,000 (the 2026 median across 27 ZIP codes, at ~$156/sq ft) — 21% more expensive than the Illinois median and 17% more affordable than the typical U.S. home.
How Champaign County compares
Champaign County is about average for housing nationally: its typical home costs $239,000 against $197,000 for Illinois and $289,000 for the U.S. Within the county, ZIP-level values run from about $140,000 to $410,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Champaign County | $239,000 | $156 |
| Illinois | $197,000 | $134 |
| United States | $289,000 | $193 |
Cities in Champaign County
Cities with their own home-value page, largest first:
Champaign County home prices by ZIP code
The 15 most valuable ZIP codes in Champaign County (of 27 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 61840 Dewey | $410,000 | $216 | +72% |
| 61874 Savoy | $358,000 | $204 | +50% |
| 61853 Mahomet | $353,000 | $215 | +48% |
| 61822 Champaign | $332,000 | $179 | +39% |
| 61845 Foosland | $321,000 | $169 | +34% |
| 61851 Ivesdale | $317,000 | $167 | +33% |
| 60949 Ludlow | $304,000 | $160 | +27% |
| 61875 Seymour | $302,000 | $120 | +26% |
| 61873 Saint Joseph | $294,000 | $159 | +23% |
| 61864 Philo | $268,000 | $129 | +12% |
| 61871 Royal | $258,000 | $136 | +8% |
| 61862 Penfield | $253,000 | $133 | +6% |
| 61880 Tolono | $252,000 | $158 | +5% |
| 61815 Bondville | $239,000 | $126 | +0% |
| 61877 Sidney | $239,000 | $138 | +0% |
Home value appreciation in Champaign County
Home prices in Champaign County have risen about 64% over the last 10 years (≈5.1% a year) and +66.5% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +7.2% — still rising. A home worth $239,000 today was worth roughly $145,643 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Illinois is +64.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Champaign County
Run the numbers for Champaign County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Champaign County
To buy the typical $239,000 home in Champaign County with 20% down, you need a household income of roughly $65,000 a year (about $1,520 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $77,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,000 | $1,890/mo | $81,000/yr |
| 10% (+PMI) | $23,900 | $1,800/mo | $77,000/yr |
| 20% | $47,800 | $1,520/mo | $65,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Champaign County
At about $156 per square foot, here is roughly how much home different budgets get you in Champaign County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 960 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1280 sq ft | around the typical home here |
| $250k | 1600 sq ft | around the typical home here |
| $300k | 1920 sq ft | around the typical home here |
| $400k | 2560 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Illinois.
Estimate a specific home in Champaign County
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Champaign County home prices: frequently asked
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Browse all Illinois cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.